landing page

Although Canada has tightened the rules on mortgage lending, we work with 40+ lenders amongst whom we can find various flexibilities which will allow you to get a mortgage at the best price and terms. There are programs for almost every type of borrower, including:
  • Employees
  • Self-employed clients
  • Newly landed immigrants
  • Immigrants in process (those who have not yet landed in Canada)
  • Working visa
  • Clients with no credit history
  • Clients with a challenging credit history
  • Clients who wish to use their mortgage as a tax planning tool
The various lending programs and their terms are updated every day. An independent mortgage broker has the advantage of accessing multiple lenders to get them to compete for your mortgage.
Yes, in the last 3 years it’s been tough to get approved for a mortgage. Even clients that were previously approved have faced obstacles. Be that as it may, the lower stress test and good rates as well as our diverse finance tools, allows more people to get approved and pull their equity. We have a 94% success rate in approving our clients. It calls for creativity and established relationships with multiple lenders which we enjoy having.
In order to calculate the mortgage that you’re qualified for, including the amount and likely terms and pricing, you’ll be asked to answer a series of questions about yourself and your family, including your legal name, address, date of birth, and income details. You will also be asked to approve having your credit report pulled. Based on the information provided by you and your credit report, we will be able to indicate the amount that you would be qualified for and under which terms. Because time is so valuable, we’ll provide preliminary answers within one working day.
We take pride in our trusted clients. We would love to tell you more about the 30 years we are in the business working with clients from all provinces in Canada. Feel free to read what our clients say about us.
You can get up to 80% of home value supported by your income. Every dollar you earn gives you access to roughly $5 in mortgage. This way a family that has a good credit score and makes 100K with no debts might be eligible for up to 500K in mortgage, as long as the house’s appraised value supports it. Having said that, we have great solutions for families and singles with lower income or no income at all who have a significant load of debt or compromised credit score.
If you’re having difficulty getting a mortgage because your income or credit score is low, we will be able to analyze the situation with you and recommend a series of focused steps. These steps will let you rebuild your income and/or credit and restore the situation, making you the kind of borrower who can be approved for a mortgage in a very short time.
Besides regular annual fees that are paid on credit cards and lines of credit (~$120/year) you will pay only on the amount that is used. If you owe nothing you pay nothing, but you will secure access to funds at the time you need them. Even after using the line of credit and having a balance, you’ll have several choices: to repay it in full without any penalty, to pay only minimum payment to cover the interest or to pay the interest with some of the principle on an ongoing basis. The flexibility is priceless in saving your family money
Especially at times like this it’s highly recommended to consolidate your debts, to lower the monthly payments on your credit cards and loans and move into a much cheaper monthly payment. We’ll take debts at 19.99%-29.99% interest rate and we’ll aim to convert them into a very low rate. You’ll feel a huge relief on your monthly cashflow, which is an essential step to reduce stress in these days. This is our way of supporting your health.
And don’t worry, we have means to relax your debt even if your credit situation or income situation are not the best right now.
Sure. It’s a powerful tool to benefit borrowers especially over 65, who would like to pay nothing on a monthly basis and free all their pension pays to enjoy life with their family. Pricing for reverse mortgage is a little higher than a regular mortgage but if you have a title clear home or a small mortgage and lots of equity, it’s a great way to clear all debts and enjoy life. Don’t worry about your kids, they will benefit from large inheritance anyway, but mainly they will have the pleasure seeing their parents enjoying stress-free and debt-free life.
We usually get paid the same for different deals and rates. Our focus is on getting you such a brilliant deal, so you’ll want to share your experience with your friends and family. We love to under-promise and over-deliver.